Premisien offers free credit counseling consultations for personal and business credit improvement, plus lending and bookkeeping services for individuals and small businesses.
Data compiled from public sources · Rating from CreditDoc methodology
Premisien Credit Counseling is a Philadelphia-based financial services firm (215-904-8690) positioned as a credit, lending, and tax expert provider. The company was founded with a mission to help underserved communities achieve financial success through education and personalized guidance. The founder's personal journey—including filing bankruptcy at age 30 due to lack of financial education—informs the company's philosophy and approach to serving clients who feel overwhelmed by their finances.
Premisien's core offerings span three main areas: personal credit evaluation and improvement, business credit building and expansion, and bookkeeping services for businesses. They advertise free consultations and promise a three-step process of consultation, evaluation, and individualized planning. Services include personal credit profile analysis, business credit development, lending connections for business growth, and comprehensive bookkeeping with financial reporting. The company emphasizes hands-on support for clients navigating credit challenges and financial clarity.
The company distinguishes itself through its focus on underserved communities and personal financial education. They've published a book on money management specifically targeting young African-Americans facing unique financial challenges. Their approach emphasizes consultation and customized planning rather than one-size-fits-all solutions, and they combine credit counseling with complementary lending and bookkeeping services under one roof.
Notably, the website displays placeholder statistics (0 clients helped, 0 average PAYDEX score, $0M client asset value), which raises questions about the company's track record or website maturity. While they claim credit, lending, and tax expertise and reference accreditations, specific credentials (NFCC certification, HUD approval, or other formal qualifications) are not detailed on the visible website content. The free consultation offer and stated mission align with non-profit credit counseling, though the inclusion of for-profit lending and bookkeeping services suggests a hybrid business model.
When evaluating debt relief companies, consumers should compare settlement programs against alternatives like debt consolidation loans, which combine multiple debts into a single fixed-rate payment. Credit counseling through nonprofit agencies offers free budgeting help without impacting credit scores. For those whose credit has already been damaged, credit repair services can address inaccurate negative items on reports. Personal loans for bad credit may provide funds for debt payoff at lower rates than credit cards, and credit monitoring services help track progress throughout the recovery process. Nonprofit counselors can help consumers evaluate whether an installment loan for debt consolidation makes sense given their income and existing obligations.
Yes. Premisien Credit Counseling is a registered company, headquartered in Philadelphia, PA.
Premisien Credit Counseling plans start at Free per month with no setup fee. No money-back guarantee is offered.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
Premisien is best for small business owners and individuals in underserved communities seeking free, personalized credit counseling with a cultural component, though verification of formal credit counseling credentials and transparency about service fees would strengthen credibility. The primary caveat is that the company's non-profit vs. for-profit status is unclear, and mixing free credit advice with commission-based lending and bookkeeping referrals creates potential conflicts of interest.
750ispossible, LLC is a credit repair company that disputes negative items on credit reports to improve client scores. Based in Everett, WA, they charge from $99/month with no long-term contracts.
Best for: Consumers with negative items on credit reports seeking personalized, local credit repair support, Borrowers with student loans in default looking for rehabilitation services
Unable to verify company details. Website returns 403 Forbidden error, preventing access to service information needed for accurate profiling.
Best for: Consumers in Detroit, Michigan looking for credit repair services, People who prefer working with a local credit repair provider
Unable to verify — website currently inaccessible (403 Forbidden error). Cannot confirm services, legitimacy, or operational status.
Best for: Consumers in Houston, Texas looking for credit repair services, People who prefer working with a local credit repair provider
Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Premisien Credit Counseling and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.